RMD by age, 2026
| Age | Divisor | Share | On $250,000 | On $500,000 | On $1,000,000 |
|---|---|---|---|---|---|
| RMD at 73 | 26.5 | 3.77% | $9,434 | $18,868 | $37,736 |
| RMD at 74 | 25.5 | 3.92% | $9,804 | $19,608 | $39,216 |
| RMD at 75 | 24.6 | 4.07% | $10,163 | $20,325 | $40,650 |
| RMD at 76 | 23.7 | 4.22% | $10,549 | $21,097 | $42,194 |
| RMD at 77 | 22.9 | 4.37% | $10,917 | $21,834 | $43,668 |
| RMD at 78 | 22.0 | 4.55% | $11,364 | $22,727 | $45,455 |
| RMD at 79 | 21.1 | 4.74% | $11,848 | $23,697 | $47,393 |
| RMD at 80 | 20.2 | 4.95% | $12,376 | $24,752 | $49,505 |
| 81 | 19.4 | 5.15% | $12,887 | $25,773 | $51,546 |
| 82 | 18.5 | 5.41% | $13,514 | $27,027 | $54,054 |
| 83 | 17.7 | 5.65% | $14,124 | $28,249 | $56,497 |
| 84 | 16.8 | 5.95% | $14,881 | $29,762 | $59,524 |
| 85 | 16.0 | 6.25% | $15,625 | $31,250 | $62,500 |
| 86 | 15.2 | 6.58% | $16,447 | $32,895 | $65,789 |
| 87 | 14.4 | 6.94% | $17,361 | $34,722 | $69,444 |
| 88 | 13.7 | 7.30% | $18,248 | $36,496 | $72,993 |
| 89 | 12.9 | 7.75% | $19,380 | $38,760 | $77,519 |
| 90 | 12.2 | 8.20% | $20,492 | $40,984 | $81,967 |
| 91 | 11.5 | 8.70% | $21,739 | $43,478 | $86,957 |
| 92 | 10.8 | 9.26% | $23,148 | $46,296 | $92,593 |
| 93 | 10.1 | 9.90% | $24,752 | $49,505 | $99,010 |
| 94 | 9.5 | 10.53% | $26,316 | $52,632 | $105,263 |
| 95 | 8.9 | 11.24% | $28,090 | $56,180 | $112,360 |
| 96 | 8.4 | 11.90% | $29,762 | $59,524 | $119,048 |
| 97 | 7.8 | 12.82% | $32,051 | $64,103 | $128,205 |
| 98 | 7.3 | 13.70% | $34,247 | $68,493 | $136,986 |
| 99 | 6.8 | 14.71% | $36,765 | $73,529 | $147,059 |
| 100 | 6.4 | 15.63% | $39,063 | $78,125 | $156,250 |
RMD by account balance
| Balance | At 73 | At 75 | At 80 |
|---|---|---|---|
| RMD on $200,000 | $7,547 | $8,130 | $9,901 |
| RMD on $500,000 | $18,868 | $20,325 | $24,752 |
| RMD on $750,000 | $28,302 | $30,488 | $37,129 |
| RMD on $1 million | $37,736 | $40,650 | $49,505 |
| RMD on $1.5 million | $56,604 | $60,976 | $74,257 |
| RMD on $2 million | $75,472 | $81,301 | $99,010 |
| RMD on $3 million | $113,208 | $121,951 | $148,515 |
| RMD on $5 million | $188,679 | $203,252 | $247,525 |
RMDs start at 73 for anyone born from 1951 to 1959 and at 75 for anyone born in 1960 or later. Ages 73 to 80 have their own pages; the required minimum distribution calculator covers any age and balance.
Calculators
- RMD calculator: any balance, birth year and QCD, with the full IRS table.
- RMDs by age and balance: every page in this set.
- Inherited IRA RMD calculator for an account you inherited.
- Tax on a $100,000 Roth conversion: converting before RMDs start shrinks the balance they are based on.
- Tax on a $50,000 401(k) withdrawal: an RMD is taxed the same way.
- IRMAA calculator: an RMD can raise Medicare premiums two years later.
Figures checked on against IRS Publication 590-B (2025), Distributions from IRAs, IRS, Retirement plan and IRA required minimum distributions FAQs and T.D. 10001, final required minimum distribution regulations (July 19, 2024).